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The Hartford Review

By: Kelly Burgess on June 26, 2017

Bottom Line

Though its name isn't as recognizable as its larger competitors, The Hartford is at or close to the top in several customer-satisfaction surveys, and coverage is available in all states -- although availability of some discounts will vary by location.


  • Smooth claims process
  • Helpful customer service
  • Wide variety of plans; bundles
  • Solid financial ratings


  • Frustrating online quote process
Our Analysis

Breaking it down


Great feedback on claims resolution. Most customers of The Hartford report positive experiences with claims. In the 2016 J.D. Power U.S. Auto Claims Satisfaction Study The Hartford ranked first, with an overall score of 891 out of 1,000. It ranks particularly highly for the first notice of loss and service interaction factors. At Reviews.com, The Hartford is the top overall pick, with editors noting that surveys show that, "of all the people who sustained substantial damage to their vehicle, The Hartford's customers were the happiest." The Hartford does slightly less well in a survey of 18,136 Consumer Reports readers who weighed in claims satisfaction; The Hartford earns a Very Good in that category, although the majority of insurance companies in this survey earn the same score.


Wide variety of discounts. In ConsumerReports.org's survey, most The Hartford customers say they're satisfied with premiums, giving it a Very Good in that category. Reviews.com notes that The Hartford offers a wide variety of discount types, saying, "No other nationally available insurer offers more discounts." That includes a "rare discount" for electric vehicles. Although The Hartford comes in fourth in J.D. Power's survey of customer satisfaction with purchase experience, Reviews.com editors say it's almost impossible to complete the process online -- a phone call is usually required to finish. However, that may not be a downside, J.D. Power also notes in a press release that consumers like the option of talking to a human being, even though they also like the ability to get an online quote. There is also the option to visit a local agent, though. Customers can report claims by phone or online 24 hours a day.

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